Sidroe
Your hearing can change in a matter of seconds depending on how you subject your ears to db and air pressure levels. Do a google on ear fatigue. I learned what little I know from a high school bud that went on to med school and is a practicing ear doctor. Based on what he told me I drastically reduced my levels and TIME spent under headphones! I just turned 62 two weeks ago. I have been suffering from tinnitus going on about 30 to 35 years. I attribute it to standing in front of a Marshall Super Lead 100 watt stack all those years in clubs and on the road.
I have set guidelines now in my studio work producing that I never track and mix on the same day. Mixing at high levels never lasts more than a couple of hours at most. Headphones may be used for tracking, never mastering. If it still isn't right, I try again the next day. No deadline is worth your hearing!
I, too, have lived in apartments where you had no choice but headphones. Just try to be very judicious volume and time wise underneath those things. I don't know what your age is but I can tell you, I sure would have taken better care of my hearing back then. I am paying for it now.
I too have tinnitus, had it since my 20's. Am not sure exactly when it started, I think it just crept up on me but I was too stoned to notice. In my case it was a combination of being in thrash bands when I was younger, then dancing high as a kite to acid trance music for 12 hours straight in front of huge speakers at illegal raves for much of the early 90's. Oh and a few Metallica/Slayer/Dio gigs in the late 80's. Not to mention the long hours spent listening to Frank Zappa on headphones. Considering all of that though, I think my hearing has fared pretty well. I can't hear much over 15-16k but that's common for my age (41).
I use headphones a lot (both at home and in the gym) but I try to keep the volume reasonable and I always stop at regular intervals and have a 10 minute break. One thing I've been doing for the past year, and I'm sure many will think I'm mad, but I've been taking a good magnesium supplement (i.e. not oxide) a couple of times a day. This was after reading from multiple sources that it can protect the ears from noise damage. Well before doing any work on headphones in the evening, I'll take a couple of chelated magnesium pills ("Doctor's Best" brand) and drink some Natural Calm, a magnesium drink which also really helps me relax in the evenings and melts away the tension. It's not a substitute for avoiding loud noise, but I figure that as part of a regime of noise caution it can only help. I've also heard that resveratrol is touted as a protection against hearing loss, so it'll be interesting to see how those studies go.
New York is one hell of a noisy city. I'm out and about on the streets of Manhattan most days and you're constantly bombarded with sirens, construction noise and of course the deafening subways. I always stick my fingers in my ears when a train goes past, especially when they're applying those horrible squeaky brakes. Looking around I see that hardly anyone else does it, which is a shame considering how many times New Yorkers have been told how potentially damaging subway noise is. God knows what it's doing to kids.